This paper “Discriminant Analysis of Paying and Non-Paying Borrowers: The Case of Professional Moneylending around Metro Manila, 1999-2000” explores the idea of ensuring sustainable lending operations in an environment of asymmetric information and risk aversion. It aims to minimize loan default risk by identifying dimensions that will discriminate a paying(good) from a non-paying(poor) individual borrower of professional moneylending around Metro Manila.
